Stripe Fee Calculator
Stripe charges 2.9% + $0.30 per US online card, so $100 nets $96.80. International cards, conversion and keyed entry stack on top, so a US international card is 4.4%, not the 3.9% some tools show. See your net or work backwards from a target.
Rates verified 28 Jun 2026 vs Stripe's official pricing pages
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Stripe · US
Free · no sign-up · an estimate on standard published rates.
How much does Stripe take?
On a standard US online card, Stripe takes 2.9% + $0.30. So a $100 payment costs $3.20 and you keep $96.80; a $50 payment costs $1.75. There is no monthly fee and no charge on a failed payment. You only pay when money actually moves.
The catch is that 2.9% is rarely the whole story. An international card adds 1.5%, so the real rate is 4.4%. Currency conversion adds 1% to 2% on top of that, and a hand-keyed card adds 0.5%. The surcharges stack, they do not replace each other, which is the part most calculators get wrong. Pick your country and card type in the tool to see the rate that actually applies to you.
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Stripe card fees by country (2026)
The model is the same everywhere, a base percent plus a fixed fee, with surcharges that stack on top. Only the numbers and the card tiers change. The rate below is the online card rate; switch country in the tool above for in-person and bank-debit rails.
| Country | Online card rate | Surcharges |
|---|---|---|
| United States | 2.9% + $0.30 | +1.5% (4.4% total) · keyed +0.5% |
| United Kingdom | 1.5% + 20p (consumer) | premium 1.9% · EEA 2.5% · intl 3.25% |
| EU (Eurozone) | 1.5% + €0.25 (consumer) | premium 1.9% · UK 2.5% · intl 3.25% |
| Australia | 1.7% + A$0.30 (GST incl) | +1.8% (3.5% total) |
| Canada | 2.9% + C$0.30 | +0.8% (3.7% total) · keyed +0.5% |
Rates verified 28 Jun 2026 against Stripe's per-country pricing pages. Currency conversion adds a further 1% to 2% when applied. This is an estimate on standard published rates; negotiated and Enterprise rates differ, and Stripe can revise its pages without notice, so confirm before you rely on a figure.
How Stripe fees work in 2026
Stripe is a payment processor, not a marketplace, so there is no commission or listing fee. Instead you have a base rate and a handful of surcharges that add on top. Here is each piece, and the catch most calculators miss.
The base rate
This is the headline number, charged on every successful payment. It is 2.9% + $0.30 in the US, 1.5% + 20p in the UK, 1.5% + €0.25 in the EU, 1.7% + A$0.30 in Australia and 2.9% + C$0.30 in Canada. You pay it on a standard domestic card with nothing else attached. Everything below stacks on top of it.
The surcharge stack: why your real rate is rarely just 2.9%
Stripe adds surcharges, and they stack additively rather than replacing the base. An international card adds 1.5% in the US, so the real rate is 4.4% + $0.30, not the flat 3.9% some calculators hardcode. Currency conversion adds another 1% to 2%, and manually keying a card adds 0.5%. A US international card that also needs conversion lands at 5.4%. Toggle these in the tool to watch the rate climb.
UK and EU card tiers
Here the rate depends on what kind of card the buyer uses. A standard consumer card is 1.5%. Premium and commercial cards run 1.9%. A cross-border EEA or UK card is 2.5%, and a fully international card is 3.25%, each plus the fixed fee. Cheap calculators only know the consumer rate, so they undercount most business and overseas payments. Switch the card region in the tool to use the right tier.
Beyond cards: Terminal, bank debit, payouts and disputes
Card online is not your only option. In-person Terminal rates are lower, 2.7% + $0.05 in the US. Bank-debit rails are cheaper again and capped: ACH is 0.8% capped at $5, Bacs is 1% capped at £4, and SEPA is a flat €0.35. Instant Payouts cost roughly 1% to 1.5%, and a lost dispute runs $15 in the US (£20, €20, A$25, C$15 elsewhere). We list these as published rates; confirm the live figure before you rely on it.
The small-ticket gotcha
The fixed fee is the part that bites on small charges. A $5 US payment costs 2.9% + $0.30, which is $0.45, or about 9% of the sale. The $0.30 dominates when the amount is tiny, so on micro-payments the rail you pick matters more than the headline percentage. Bundling small charges into one larger payment is often the cheaper move.
GST-inclusive in Australia
Stripe's published Australian fees already have the 10% GST baked in. Do not add it again. The 1.7% + A$0.30 you see is the final fee, so an A$120 charge costs A$2.34 and you keep A$117.66. This calculator treats the AU rates as GST-inclusive, the same way Stripe's pricing page presents them.
Worked Stripe fee examples
$100, US standard card
The base rate, nothing stacked. 2.9% of $100 is $2.90, plus the fixed $0.30, so the fee is $3.20 and you keep $96.80. That works out to an effective 3.2%, a touch above the headline 2.9% because of the fixed bit.
$250, US international card
An overseas card adds 1.5%, so the rate is 4.4%, not 2.9%. 4.4% of $250 is $11.00, plus $0.30, for an $11.30 fee and $238.70 kept. A tool that hardcodes 3.9% would show $10.05 here and quietly underbill you by more than a dollar.
$5, the small-ticket trap
2.9% of $5 is just $0.15, but the fixed $0.30 takes over: the fee is $0.45 and you net $4.55. That is about 9% gone on a tiny sale, roughly three times the headline rate. On payments this small, a cheaper rail beats the card.
Net exactly $100, find the charge
Run the tool in reverse. To pocket $100 on a US standard card, you charge $103.30. The fee on that is $3.30, which leaves you exactly $100. The formula is (target + fixed) divided by (1 minus the rate).
What does Stripe leave you with?
On a clean US domestic card you keep about 96.8% of the charge, and that is roughly the best case. Once an international card, a currency conversion or a hand-keyed entry comes into play, your kept share drops, sometimes below 95%. Knowing your real rate matters most when your own margin is thin, because a point or two of fee can be the difference between a sale that pays and one that does not.
A simple habit helps: price for the worst card you actually take, not the best. If a chunk of your buyers pay with overseas cards, plan around the 4.4% rate, not the 2.9% one. And for large or recurring bills, move people to bank debit, where the capped fee can save you real money versus card. The tool's effective-rate line is the quickest way to see where you stand on any single charge.
How to pay less in Stripe fees
- ✓Take large recurring or invoice payments by bank debit. ACH, Bacs and SEPA are far cheaper than card and the fee is capped, so a big invoice costs a few dollars instead of a few percent.
- ✓Avoid manually keying cards. Typing the number in by hand adds 0.5% in the US and Canada. Let the customer enter it through Checkout or a saved card instead.
- ✓Settle in the card's own currency where you can, so you skip the 1% to 2% currency-conversion surcharge.
- ✓Sell in person on Terminal when you have the choice. The in-person rate (2.7% + $0.05 in the US) is lower than card online.
- ✓Watch the small-ticket math. The fixed fee makes a $5 charge cost about 9%, so bundle tiny payments into one where it makes sense.
- ✓Treat the headline rate as a floor, not the whole story. International cards, conversion and keyed entry all stack on top, so price with the full stack in mind.
Stripe fee calculator FAQ
How much does Stripe charge per transaction?
Stripe charges 2.9% + $0.30 per online card payment in the US, 1.5% + 20p in the UK, 1.5% + €0.25 in the EU, 1.7% + A$0.30 in Australia and 2.9% + C$0.30 in Canada. International cards, currency conversion and manually keyed entry add surcharges on top of that base rate.
What are Stripe's fees in the UK, Australia, Canada and Europe?
UK is 1.5% + 20p for a consumer card (premium 1.9%, EEA 2.5%, international 3.25%). Europe mirrors that at 1.5% + €0.25. Australia is 1.7% + A$0.30, GST inclusive. Canada is 2.9% + C$0.30. Switch country in the calculator to see the full stack for each.
How much is the Stripe fee on a $100 payment?
On a $100 US online card payment the fee is 2.9% + $0.30 = $3.20, so you net $96.80. An international card raises it to 4.4% + $0.30 = $4.70, leaving $95.30, and adding currency conversion takes it to 5.4% + $0.30 = $5.70. The calculator shows each case.
Does Stripe charge more for international cards?
Yes. In the US an international card adds 1.5% on top of the 2.9% base, so the real rate is 4.4% + $0.30. In Canada the surcharge is 0.8%, and in the UK and EU international cards are charged at 3.25%. Currency conversion adds a further 1% to 2% when it applies.
What should I charge to net a target after Stripe fees?
Use the Find charge mode in the tool. Enter the amount you want to keep and it solves for the charge. To net $100 on a US standard card you would charge $103.30, on which the $3.30 fee leaves you exactly $100. The formula is (target + fixed fee) divided by (1 minus the rate).
Are Stripe fees cheaper than PayPal?
On the headline US rate, Stripe edges it: 2.9% + $0.30 versus PayPal's 2.99% + $0.49 for a standard card or 3.49% + $0.49 for Checkout. Stripe's lower fixed fee makes it cheaper on most amounts. The right call also depends on international cards, payouts and which rails you use.
Does Stripe charge a monthly fee?
No. Stripe's standard pricing is pay-as-you-go with no monthly or setup fee, so you only pay per successful charge. Add-on products like Billing, Radar and Tax carry their own usage fees if you switch them on, but the core card processing has no fixed monthly cost.
How do I reduce Stripe fees?
Take large recurring payments by bank debit (ACH, Bacs or SEPA), where the fee is capped. Avoid manually keying cards, which adds 0.5% in the US and Canada. Settle in the card's currency to skip the conversion surcharge. For in-person sales, Terminal rates beat card online.
Stripe fee terms, in plain English
- Base rate
- The headline percent plus a fixed fee, charged on every successful payment. 2.9% + $0.30 in the US.
- Surcharge stack
- Extra percentages that add on top of the base: international card, currency conversion, manually keyed entry.
- International card
- A card issued outside your country. It adds 1.5% in the US (so 4.4% total), 0.8% in Canada, and is 3.25% in the UK and EU.
- Premium / commercial card
- A business or rewards card. In the UK and EU it is 1.9% instead of the 1.5% consumer rate. Treat the result as an estimate.
- Effective rate
- The fee as a share of the amount. The fixed fee pushes it above the headline percent, most of all on small charges.
- Find charge (reverse)
- Work backwards from the amount you want to keep to the price you should charge so the fee comes out of the buyer's payment.
- Bank debit
- ACH, Bacs or SEPA. Cheaper than card and usually capped, which suits large or recurring invoices.
- Terminal
- Stripe's in-person card reader. Its rate (2.7% + $0.05 in the US) is lower than card online.
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